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Monday, December 7, 2015

Income Tax Advance Loans Are There For You When Tax Time is Still Months Away

Income Tax Advance Loans Are There For You When Tax Time is Still Months Away

Use income tax advance loans to fill the gaps in your budget.

If you know you have a tax refund coming after the first of the year, you can probably think of at least a few ways you’d already like to be spending it. If one or more of those ways are time-sensitive, and the need is going to get here sooner than the cash, a loan on your tax refund might be just what you need to keep your budget on track. It takes only a day or two to go from filling out the application to having the cash available in your bank account, so whether you plan ahead for something you need, or have an emergency strike at the worst possible time, income tax advance loans can fill in the gap and provide what you need. It isn’t necessary to allow yourself to incur late fees on your bills or overdraft fees from your bank – you can apply, be approved, and have the funds deposited to your bank in time to cover all your obligations on time.

Solve Your Budget Crunch With Income Tax Advance Loans

Sometimes our budget gets out of balance due to too much money going out – such as a higher than usual heating bill or an annual insurance payment that wasn’t expected. Other times our income falls shorter than we planned, due to shorter hours at work or some other adjustment made to our paychecks. If we’re a budget-keeper and we realize that we’re going to be out of balance, the hunt then begins for some way to make sure everything gets paid. If we manage our money in a more freewheeling way, it’s likely to be more of a last-minute discovery. Fortunately, an income tax advance loan takes so little time to be approved that you can discover the shortfall just a couple of days before a bill is due, and have cash in the bank in time for the check to clear.

Income Tax Advance Loans Are Like Borrowing Your Own Money

As we all know, tax refunds are money that was taken out of our paycheck in anticipation of our tax liability being higher than it turned out to be. So when you apply for an income tax advance loan, you’re not incurring a repayment in the same way that you are when you borrow in other ways. Sure you might have to make payments on it, depending on the timing of the loan versus your actual refund’s arrival, but here’s the difference: A typical personal loan can take a year or more to repay, which means making room in your budget for a monthly payment – so the cost of covering the unplanned emergency or budget shortfall is a relatively permanent increase in your monthly expenses. That can be a big price to pay, or a big adjustment even if it’s a fairly small amount, depending on your personal budget. With an income tax advance loan, the payments are quick and limited to about 30 days. Moreover, when your actual refund arrives, you effectively get reimbursed for the payments you made – borrow, repay, and then get your repayments back! What deal could be better than that?

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Income Tax Advance Loans Are There For You When Tax Time is Still Months Away, By Scott Lobo - Today